Free Lump Sum Calculator
A lump sum is a one-time investment, for example money put into a mutual fund or deposit in one go. Enter the amount, the yearly return you expect and the years to see the estimated value.
Note: Results are estimates for learning and planning. They are not financial, tax or investment advice, and actual figures from your bank or lender may differ. See our disclaimer.
How to use Lump Sum Calculator
- Type the amount you want to invest once.
- Enter the yearly return you expect. This is only an assumption.
- Enter the number of years you will stay invested.
- Click Calculate lump sum to see the invested amount, estimated returns and the total value.
About this tool
The estimated value is P × (1 + R ÷ 100)^T, where P is the amount, R the yearly return and T the number of years. Returns are compounded once a year at a fixed rate. For example, ₹5,00,000 at 12% a year for 10 years comes to about ₹15.5 lakh. Real investments do not give a steady return, so the actual result can be higher or lower. Taxes, exit loads and charges are not included, so use the result as a rough guide and not as advice.
Frequently asked questions
How is lump sum return calculated?
The amount grows by the yearly return every year, and the growth is added to the amount. The formula is P × (1 + R ÷ 100)^T.
What is the difference between lump sum and SIP?
A lump sum puts the whole amount in at once. A SIP invests a fixed amount every month. See the SIP Calculator for that.
What return should I enter?
Nobody can promise a return. Try a few values, including low ones, to see a range.
Does this include tax?
No. Taxes and charges are not included.
Is my data stored?
No. The calculation happens in your browser.